It is good to see that the country is getting tougher than ever on uninsured motorists. Responsible drivers feel safer with stiffer penalties against uninsured motorist; it is especially when a lot of people are on the verge of financial disaster if they were ever struck by a negligent driver who failed to keep insurance. Unfortunately, there are more uninsured drivers than one would ever imagine despite the fact that it is mandatory for every driver, in every state to carry auto insurance. As a result of which, we can see many drivers facing serious legal trouble and paying a considerable amount of money as fine, as well as risking having their driver’s license suspended or revoked. Hopefully, with an extra effort and cost of having such excellent required alternative like SR-22; a habitual negligent driver can become much more responsible and realize the importance of carrying auto insurance. For those drivers with accidents and serious moving offenses on their driver records; an SR-22 form is required to be filled as a proof of insurance to the state or department of transportation. As such, the court requires you to have SR-22 insurance on file with state if you have been caught without insurance coverage, had a criminal or drug charge or other reasons.
Though it is called SR22 insurance; it is important to note that an SR-22 is not insurance. It is basically a form that you have to file to the concerned government bodies in order to show proof of financial responsibility in relation to your state’s minimum insurance laws and requirements. The importance of SR-22 is underscored by the fact that almost all states require all registered drivers to comply with their minimum insurance requirements. In the event that a driver or a motorist is caught driving without a license; their license will be suspended indefinitely until such a time as they are able to meet the minimum state requirements for car insurance. Of course, once the driver has met the necessary state insurance requirements; he or she will need to file an SR-22 form. In California, SR-22 insurance is required by high-risk drivers in order to get their license reinstated when convicted of DWI and DUI offenses. As regards filing an SR-22 to avoid any type of instance of infringing or penalties on the road; it is always wise to ask your car insurance company regarding this as the SR-22 form is generally not filed by all insurance companies.
As a conscious driver you should also understand that filing an SR-22 form can sometimes be quite costly, particularly when a car owner allows his insurance to lapse and the company is forced to revoke the driver’s SR-22 form. In that event, the driving license will be suspended and the driver will be forced to stop driving; unless of course he or she has apparent reason to show why his or her insurance policy lapsed. Hence, SR-22 auto insurance is not only important for those who are driving their own vehicle but also when you are driving someone else’s vehicle. For example; if you are pulled over for a moving violation such as speeding, reckless or careless driving, DWI or DUI offenses; you can use it accordingly as a proof of insurance.
As a matter of fact, the importance of SR-22 auto insurance is increasing every day and is now accepted and required in most states. The requirements for getting an SR-22 form vary from state to state and prices also vary. Though insurance companies may charge or add a certain amount to your policy against SR-22 insurance as they consider you at a higher risk; the coverage insures drivers of one less uninsured motorist on the road and better protection for vehicles and property for at some point or other you need to deal with this for a while. To sum up, it is for the best of your interest to carry auto insurance as well as an SR-22 to submit to state officials to prove that financial responsibility when required.